Ukuphepha noma izimpahla zezimali amabhange e-piggy yilezo zinhlobo zotshalomali ezikhiqiza imbuyiselo encane minyaka yonke, noma ngabe kwenzekani ezimakethe zezimali. Ngomqondo wokuthi zifana kakhulu nemikhiqizo etholakele yemali engenayo enikezela isigqebhezana sonyaka lokho kusuka ku-1% kuye ku-3%. Ukuba yisigaba sokutshala imali esibhekiswe kuphrofayili yomsebenzisi elinganiselayo noma evikelayo. Lapho ukongiwa kwemali kufinyelela kokunye ukucatshangelwa okunolaka. Abafuni ukuzama imali yabo ngakho-ke baya kumafomethi wezezimali aphephe kakhulu.
Kunoma ikuphi, into eyodwa icacile futhi lokho ukuthi okwamanje kunezimpahla ezahlukahlukene zebhange le-piggy ezimakethe zezezimali. Futhi okubaluleke kakhulu, ngohlobo oluhlukahlukene ukwanelisa izidingo zokutshalwa kwemali kwengxenye enhle yabatshalizimali abancane nabaphakathi. Ukuze ngale ndlela, bakwazi ukwehlukanisa ukonga kwabo ngempumelelo enkulu kusukela manje kuqhubeke. Hhayi kuphela kwizimali kodwa futhi kusuka emalini engenayo engaguquki noma ngisho nakwezinye izinketho zokwandisa isinqumo abazosenza abatshalizimali abancane nabaphakathi. Ngokuvikeleka okukhulu ekunyakazeni okuzothathwa.
Lezi zimpahla zezimali zibonakaliswa ngakolunye uhlangothi ukungazinzi kwazo okuphansi ngoba ukwehluka phakathi kwamanani aphezulu noma aphansi kakhulu kuncane kakhulu. Lokho kusho ukuthi, ungaba nokuthula kakhulu ngesikhathi sokuhlala futhi esikhundleni salokho kukunikeza ithuba lokwakha isikhwama sokonga phakathi futhi ikakhulukazi isikhathi eside. Yize noma kunjalo ungalindeli ukuthi ube nenzuzo eyeqile ngoba lokhu akuyona neze eminye yemisebenzi efanelekile kusuka manje. Yingakho inaleli gama elixakile futhi lezi zimpahla zezimali zaziwa ngalo ukuthi sizokudalula ngezansi.
Amanani ebhange e-piggy: izinsimbi eziyigugu
Lezi zimpahla zezimali zingenye yezimo ezicacile ngalolu hlobo olukhethekile lokutshalwa kwezimali. Ngoba basebenza kangcono ezimeni zokulingana ezimbi kakhulu ngakho-ke bangabamukeli bengxenye enkulu ye- ukuhamba kwemali yezimali ezinkulu zokutshala imali, kuzwelonke nangaphandle kwemingcele yethu. Ngenkathi ngakolunye uhlangothi, kungakhohlwa ukuthi lezi zimpahla zezezimali zithandeka kakhulu ukukhuthaza ukonga, yize kulokhu kunengozi enkulu ezikhundleni ezenziwayo. Akumangalisi ukuthi banganikeza imbuyiselo ethakazelisa kakhulu kulindelo lokutshalwa kwemali kwengxenye enhle yabasebenzisi.
Ngakolunye uhlangothi, amanani entengo ahlukahlukene wutshalo-mali olukhethekile kakhulu kunezinye iziphakamiso ezimakethe zezezimali. Ngale ndlela, kufanele kwaziwe ukuthi igolide lizivikela kahle ezimeni zokwehla kwamandla emali noma zokwehla kwamandla emali futhi lethulwa njengempahla engahlobene dollar kwemvelo. Kubatshalizimali abalindele ukwehla kwe-greenback kungumthombo ongaba yinzuzo. Elinye iqiniso elithandekayo ukuthi kubatshalizimali kuma-euro ukwazisa ngegolide kube kuncane. Njengenye indlela ehehisa kakhulu yezikhathi ezinzima kakhulu ezimakethe zamazwe ngamazwe zokulingana.
Ukuphepha kokuvikela nokuhlukaniswa okuphezulu
Ngaphandle kokukholelwa okujwayelekile kwengxenye enhle yabatshalizimali abancane nabaphakathi, lawa manani angatholakala, aziwa njengamabhange e-piggy, emakethe yamasheya. Kulokhu, ngoba bavumela ukudala isikhwama sokonga esizinzile eminyakeni embalwa ezayo, futhi ngengozi encane ekusebenzeni. Ngoba usohlwini zivela emabhizinisini aphindaphindiwe lokho ngokuvamile kubonisa izikweletu ezimbalwa futhi esikhundleni salokho kube ngcono emiphumeleni yebhizinisi. Emikhakheni yekilasi efana, ngokwesibonelo, imigwaqo yezimoto, ugesi noma ukudla. Lapho ingxenye enhle yezimali zokuphatha ingena khona ezikhathini ezimbi kakhulu ezimakethe zezimali.
Ngenkathi ngakolunye uhlangothi, ziphinde zinikeze isivuno esihle senzuzo, ngenani lenzalo eliphakathi kuka-5% no-7%. Ngokukhokha okungaguquguquki futhi okuqinisekisiwe njalo ngonyaka ngezinhlelo ezahlukahlukene zokukhokha ngokuya ngenkampani ngayinye. Leli yiqiniso elidala ukuthi iphrofayili yomtshalizimali echazwe kahle ibhekane nabo: abasindisi, abasebenzisi abavikelayo futhi ngaphezu kwakho konke isifiso sokulondoloza imali ngaphezulu kokunye ukucatshangelwa kokuvelela. Ngokwenza iphothifoliyo yemali engenayo engaguquguquki ngaphakathi kokuguquguqukayo, noma yini eyenzekayo ezimakethe zezezimali ngisho nangezikhathi ezimbi kakhulu zezintshisekelo zakho.
Izibopho zikazwelonke eziphephile
Ngaphakathi kwalo mkhiqizo wezezimali, kuyadingeka ukuthi ukhethe kakhulu ukuze ube nemodeli yokutshala imali ephephe kakhudlwana. Ngaphakathi kwaleli qembu, isiphakamiso esihle kakhulu senziwa yizibopho ze- IJalimane ne-United States okuyizona ezimele umnotho othembeke kakhulu futhi ovikelekile kulo lonke uhlelo lwamazwe omhlaba. Ngokuthola i-premium yekhuphoni engafinyelela amazinga asondele ku-2%. Okusho ukuthi, ayiphezulu kakhulu, kepha okungenani iphindaphindeka eminyakeni edlule, nokuyinto ethakazelisa abatshalizimali abancane nabaphakathi abavikela kakhulu. Ukukhonza njengesiphephelo ezikhathini ezinzima kakhulu ekutshalweni kwabantu ngabanye.
Ngakolunye uhlangothi, izibopho zaseJalimane nase-United States zingumkhiqizo othengiswa ngobubanzi obunikezwa yizikhungo zezezimali. Ukuze ngale ndlela, abasebenzisi bangabi nankinga yokwenza ngokusemthethweni ukuqashwa kwabo kusuka manje kuqhubeke. Ukuba yingxenye ebaluleke kakhulu okufanele ibe kunoma iyiphi iphothifoliyo yokutshala imali efanele usawoti wayo futhi ngenhloso yokwakha isikhwama sokonga unyaka nonyaka. Akumangalisi ukuthi lo ngumkhiqizo wezezimali onezikhathi ezinde zokusebenza unomphela kunezinye iziphakamiso. Ngamagama amaphakathi oscillate phakathi kweminyaka engama-2 kuye kwengama-6.
Ama-akhawunti akhokha kakhulu
Ezimweni ezimbi kakhulu, le nketho ingamela isixazululo esisebenza kahle kakhulu sengxenye enhle yabasindisi bezwe lethu. Leli qiniso kungenxa yokuthi ayidingi imibandela ukuthola lowo muholo omuhle ngokwengeziwe kubanikazi balo mkhiqizo wezezimali. Okungenani inqobo nje uma ukukhushulwa ezikhungweni ezikweletisa ezikhulayo ukuthuthukisa izinsizakalo zazo zezezimali kusaqhubeka. Ngaphandle kwesidingo sokutshala i-euro eyodwa kunoma iyiphi imodeli ekutshalweni kwangasese. Ukuba inketho abasindisi banoma iyiphi iphrofayili abanayo okwamanje.
Ama-akhawunti akhokhela kakhulu anikela ngenani lenzalo eliphakathi kuka-1,50% no-2,50%, kuya ngeziphakamiso zesikhungo ngasinye sezezimali. Ngokukhokha okungaba njalo ngekota, isemi-yonyaka noma unyaka nonyaka futhi okuya ku-akhawunti yokulondolozwa yabanikazi njalo. Ngenkathi ngakolunye uhlangothi, kungakhohlwa ukuthi lawa ma-akhawunti akhokha kakhulu adinga ibhalansi ephansi nokuthi kwesinye isikhathi ifunwa kakhulu. Ngokunikela ngaphezu kwama-euro angama-10.000 ukuvula i-akhawunti yalezi zici. Yize ngakolunye uhlangothi, ikhululiwe kumakhomishini nakwezinye izindleko ekuphathweni noma ekugcineni kwayo. Ngokukhiqizwa okujwayelekile okuphezulu kunalokho okunikezwa yimikhiqizo yezezimali etholakala ezimakethe zemali engenayo enganqunyelwe futhi enganikeli ngenzalo engaba ngu-1,25% okwamanje.
Izimali ezinembuyiselo kuzimali ezinkulu
Elinye lamasu esingawakhetha maqondana nezimali ezinembuyiselo yemali njengefomula yokuthola inzalo evela njalo njalo ngenyanga. Yize kunjalo kuleli cala, lo msebenzi awuqinisekisiwe futhi ngakolunye uhlangothi unobungozi obuncane kakhulu kunamanye amamodeli esiwabalulile kule ndatshana. Ngoba lezi zimali ezihlanganyelwe zine- ukwakheka okulingene kakhudlwana ukwedlula konke okunye futhi kungasebenza ngisho nezimo ezimbi kakhulu ezimakethe zezezimali, zombili izimali ezingenayo kanye nemali engenayo engaguquki. Ngaphezu kwalokho, ngeke kulibaleke ukuthi zilungele kakhulu abatshalizimali abafisa ukonga imali yabo ngaphezu kokunye ukucabanga okunolaka kakhulu.
Ngenkathi ekugcineni, ingxenye enhle yalezi zimali zokutshalwa kwemali isatshalaliswa minyaka yonke. Ngenzuzo esezingeni phakathi kuka-2% no-5%, okungukuthi, kwehle ngokwesilinganiso kunalokho okunikelwe ekuthengweni nasekuthengisweni kwamasheya emakethe yamasheya. Kepha kunoma yikuphi, basiza ekugcineni ukugcinwa kwemali ngaphezu kwakho konke okunye ngoba unyaka nonyaka kukhona umnikelo ku-akhawunti yokonga yabaphethe.
Ukuba yimodeli ephindaphindeka kakhulu ezimali zotshalo-zimali ezivela kubaphathi bamazwe kuze kulimaze abezwe. Ngaphandle kokwanda kwamakhomishini okuqashwa kwakho okubandakanya kusukela kulo mzuzu kuqhubeke. Kepha kuzo zonke izimo zingabhekwa njengengxenye yezimpahla zebhange le-piggy ezimakethe zezimali. Ngenye indlela ukuze abasebenzisi bakwazi ukufaka imali yabo ebizosetshenziselwa eminye imikhiqizo yezezimali.